# Want to buy a house in Texas? These 15 cities tell you: renting is more cost-effective than buying.

The housing prices in Texas will be a bit outrageous in 2025. The latest data shows that the monthly rent in 15 Texas cities is surprisingly cheaper than the monthly mortgage payments—ranging from $1,470 to $3,478.

**The biggest earners are these two**:
- Bee Cave: The house price is $890,000, but the monthly rent is only $1,818, with a monthly payment of $5,297, saving $3,478.
- Horseshoe Bay: Monthly rent $1,495 vs Monthly payment $4,723, a difference of $3,228

**Why is this happening**? The prices of high-end community houses have skyrocketed, but the rental market hasn't kept up. A house worth $800,000 might be purchased by wealthy individuals for investment, but ordinary people only need to rent a high-end apartment for just over $1,800.

**Medium price range also has opportunities**: Frisco saves $2,067 per month, Prosper saves $3,111 per month. The housing prices in these cities range between $670,000 and $810,000, but the rents are only over $1,700.

**What about Austin**? Although it is a popular relocation destination, the monthly savings is also $1,572.

**The key point is here**: This data is based on a 30-year fixed mortgage with a 10% down payment. If you plan to move within 5 years, renting will definitely be cheaper; but if you are settling in Texas, you need to calculate the long-term benefits. Houses will appreciate, rents will increase, and the situation may reverse in 10 years.

Data source: Zillow Home Price Index (December 2024) + Federal Reserve loan rate data